4510 Junction Dr, Middleburg, FL 32068 Property Records

Clay County property record for 4510 Junction Dr, Middleburg, FL 32068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 1991
Lot Size	0.831 acres (36,241 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Oct 1994)
Tax Bill	$798 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-04-24-005626-001-28`

Property Details

APN / Parcel Number

Primary APN	`27-04-24-005626-001-28`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,510 sqft Heated Area
Gross Area	2,323 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	36,241 sqft (0.831 acres)
Lot Dimensions	295 ft deep x 123 ft wide
Garage Area	428 sqft
Porch	Porch
Porch Area	385 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4510 JUNCTION DR
City	MIDDLEBURG
State	FL
Zip	32068-3254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LOT 6 OLD JENNINGS JUNCTION UNIT 2 AS REC O R 1528 PG 488
Legal Range	24
Legal Township	04
Legal Section	27
Legal Subdivision	OLD JENNINGS JUNCTION
Legal Lot Number	6
Legal Unit	2
Jurisdiction	CLAY FL
Township / Civil Division	MIDDLEBURG-CLAY HILL
Census Block Group	3
Census Block	3027
Census Tract	30204

Owner

Source: Clay County records, as of December 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	4510 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 4, 2018	Deed of Trust, Mortgage · FHA Mortgage HOMESIDE FINANCIAL LLC
Aug 19, 2019	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 1994 · Amount on Record
Deed Sale	Oct 24, 1994 · Amount on Record
Deed Document Number	0001528488
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4510 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Transaction Type	Mortgage
Record Updated	May 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 JUNCTION DR, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	0048030557
Date	Mar 13, 2024
Book Page	4803/557
Instrument	2024012050

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2039

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4510 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 JUNCTION DR, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	0045450009
Date	Dec 7, 2021
Book Page	4545/9
Instrument	2021077706

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4510 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040900001
Date	Jun 4, 2018
Book Page	4090/0001
Instrument	2018028377

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	COLUMBIA, MD 21044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	4510 JUNCTION DR, MIDDLEBURG, FL 32068-3254
Document Number	0042261067
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4510 JUNCTION DR MIDDLEBURG FL 320683254, MIDDLEBURG, FL 32068-3254

Mortgage

Document Number	0042261067
Date	Aug 28, 2019
Book Page	004226/001067
Instrument	46516

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

Source: Clay County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$798.00 (-23.34%) Homeowner's exemption Additional exemption filed	$121,938 (+5.99%)	$253,274 (+13.45%) Land $45,000 Building $208,274
2023	$1,041.00 (-20.47%) Homeowner's exemption Additional exemption filed	$115,051 (+3%)	$223,246 (+5.45%) Land $35,000 Building $188,246
2022	$1,309.00 Homeowner's exemption	$111,700	$211,716 Land $35,000 Building $176,716

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 52 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	52 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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